Top Home Insurance Add-ons to buy before monsoon hits

Posted on: Jul 25, 2025 | 3 mins | Written by: HDFC ERGO Team

Top Home Insurance Add-ons to buy before monsoon hits

Although the monsoon season offers a much-needed respite from the heat, it also brings with it seepage, waterlogging, property damage, and short circuits. And for that reason, it is the ideal moment to review your home insurance. Real safety comes from personalising your plan with the appropriate add-ons, even though your standard home insurance or property insurance may cover the essentials like theft or fire. Consider choices such as building insurance riders that cover electrical hazards and structural flaws, or monsoon insurance cover to guard against water damage. Make sure your home is properly protected now that you've spent time and money on it. Let’s go over the best home insurance add-ons, so you can consider them before the rainy season arrives.

Top add-ons to consider this monsoon season

The following add-ons increase the value of your house insurance, particularly in uncertain weather conditions like the monsoon season.

1. Monsoon Insurance Cover

Rain comes with electrical short circuits, wall dampness, water seepage, and even structural deterioration. Having a specific monsoon insurance policy aids in addressing that. If you reside in a city that experiences a lot of rain, like Mumbai, Kolkata, or Guwahati, this is a must-have accessory. For instance, this coverage can cover the cost of repairs if your apartment sustains water damage from a flooded balcony or roof leak. You won't have to foot the bill for anything that happened because of nature.

2. Coverage for personal valuables

Are you concerned about the theft or damage of your branded timepieces, gold jewellery, or antique collection? Include this coverage in your policy for property insurance policy. For example, this rider makes sure you get paid if your house is broken into while you're out in the rain and valuables are taken, especially if the items are more than the usual policy maximum.

3. Cover for sewerage water backup

Sewage water seeping into your house via toilets or drains during a downpour is the last thing you want. Regretfully, this is not covered by standard homeowners insurance. This add-on, which is particularly useful for independent homes or ground-floor apartments, covers damages brought on by water backing up through drains or sewers. This add-on covers the cost if your furniture, walls, or carpet are damaged.

4. Coverage for home warranty

Your appliances may sustain damage from short circuits, which are frequently caused by heavy rains. Your washing machine, refrigerator, air conditioner, inverter, and even your internal wiring are covered by this add-on. Therefore, your home insurance will cover the cost of repair or replacement if your refrigerator breaks down on a humid rainy evening due to a power surge.

5. Expanded protection for personal property

You can choose to increase the coverage for personal belongings if your home is loaded with pricey furnishings, fine kitchenware, or expensive rugs and paintings. Unexpected problems like roof leaks or busted pipes could cause your home's contents to be destroyed during the rain. You won't have to worry about receiving only a portion of the money you need to replace or fix what you value when you have more coverage.

6. Cover of earthquakes and floods

Natural disasters are not typically covered by regular building insurance policies. This add-on is essential if your house is in an earthquake or flood-prone area (think Assam or portions of Uttarakhand). It covers things like flood damage, wall cracks, structural damage, and in severe situations, total destruction. It's among the most crucial improvements to fully secure your house.

7. Cover for pest control

For pests like termites, cockroaches, and rats, damp walls and standing water provide the ideal environment. Here, a standard home insurance coverage won't be helpful. However, if bugs destroy your wooden furniture or storage spaces, this add-on includes structural damage repair as well as pest inspection and treatment. This is particularly beneficial if you have experienced similar infestations during previous monsoons.

8. Coverage for personal liability

Imagine your neighbour's child tripping in your complex or a courier boy slipping on your damp steps during a downpour. This coverage covers their legal and medical costs if they make a claim. This homeowners insurance add-on protects you from unforeseen liabilities, which is especially crucial if you have pets or host guests often.

9. Coverage for portable electronics

Your devices accompany you everywhere and are also subject to unexpected downpours. This rider takes care of things like your cell phone falling into a puddle or your laptop becoming wet in a leaking backpack. For those who work from home or are students who always have a device with them, this is the perfect accessory. Damage outside your home is typically not covered by standard property insurance; this bridges that gap.

10. Coverage for alternative accommodations

Electrical problems, wet walls, or flooded rooms could render your house uninhabitable for a while. The expense of renting a different residence while your home is being repaired is covered by this add-on. It guarantees that a monsoon-related accident won't force you and your family to incur additional costs.

11. Cover for terrorism

Although this may seem unconnected to the weather, residences can sustain significant damage from unforeseen circumstances like terrorist strikes. This homeowners insurance coverage pays for property and structural damage brought on by such events. It's a crucial financial safety net if you reside in an urban location where people are on high alert.

12. Cover for debris removal

It could be necessary to remove fallen trees or damaged building components during storms or periods of intense rain. The expense of clearing debris from your property is covered by this coverage, which is typically not included in a regular house insurance policy. This is particularly crucial for solitary homes or bungalows.

13. Rent coverage loss

This add-on safeguards your rental income if rain damage renders your property uninhabitable. Therefore, you won't be left in a difficult financial situation if your tenant vacates while repairs are being made. It makes sense for property owners who rent out residential units to get building insurance with this rider.

Conclusion

Don't wait for the skies to darken. By adding these extras, you can make sure that your house insurance meets your needs rather than merely the requirements of the textbook. Consider them as investments for your safety and peace of mind, whether you're upgrading your property insurance to include monsoon insurance cover or choosing more intelligent protection like building insurance riders. A properly protected home is, after all, more than simply walls and bricks; it's about knowing that you're protected no matter what the weather brings.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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